Lenders using AI on vacant land in Oyster-Bay, NY 2026!

Examine and compare options among 299 land loan lenders available in Oyster-Bay, NY.

The typical cost for an acre of land in NY is $105,885. The loan-to-value (LTV) ratio for undeveloped land varies from 20.71% to 99.41%, while for developed lands, it may range from 39.54% to 78.83%.

The real worth and loan LTV for any land depend on its location, size, topographical features, zoning, and any existing entitlements applied to it.

Explore your land loan options and find competitive rates by contacting the leading land loan provider in Oyster-Bay, NY.

Review offers from 100 lenders

The advanced land loan calculator

To cater to all your hard money lending needs, Lendersa®'s AI technology effectively aligns your loan request with hundreds of direct hard money lenders. Discover optimal land loan rates today for financing any vacant land or land plus construction project in NY.

Land loans and property valuation

Avoid unnecessary credit inquiries to maintain your credit score. Obtain pre-approval for your land loan without needing to disclose your social security number or sensitive financial data.

Vacant land lending can involve construction and blanket loans; you might qualify for 100% LTV (Loan to Value) financing by offering additional property as collateral (blanket loan).

Looking for hard money lending nearby?

Connecting with a private investor through a local hard money broker significantly increases your chances of securing a loan. Land loans in Oyster-Bay, NY are best managed by local lenders familiar with the community. Keeping the investor close to the property enhances approval likelihood and accelerates the funding process.

Utilize the Lendersa® land loan calculator to find vacant land loan providers in zip codes 11547.



Oyster-Bay Land Loan Lenders

  • Malve Capital
  • 26 Harbor Park Drive, Port Washington, NY, 11050
  • Lends in New York
  • Malve Capital is your premier partner for real estate investment loans. As a direct private lender, we specialize in fix-and-flip, ground-up construction, bridge, and DSCR loans for 1-4 unit residential properties. Our national reach connects experienced investors with in-house capital, offering competitive pricing and swift, trauma-free closings.

  • ShareStates
  • 8 Bond St #100, Great Neck, NY, 11021
  • Lends in New York
  • Sharestates is an online real estate lending and investing marketplace connecting investors with developers and rehabbers seeking funding. Using proprietary technology, we acquire, fund, and service projects faster and at lower costs than traditional financing. We offer investors exclusive opportunities while providing borrowers fast, affordable ca

  • Iron Fund
  • 150 Great Neck Road, Suite 102, Great Neck, NY, 11021
  • Lends in New York
  • Iron Fund is a Direct Capital Provider for loan officers, brokers, and third-party originators. Iron Fund specializes in Fix & Flips/ Bridge Loans, Ground- Up Construction, and 30-Year DSCR Loans. Our new broker platform provides a full technology suite with same-day loan approvals and secure document uploads.

  • W Financial
  • 60 Cutter Mill Road, Suite 601, Great Neck, NY, 11021
  • Lends in New York
  • W Financial is a New York-based commercial real estate bridge lender specializing in time-sensitive or complex loan requirements. When a deal is unusual or time is short, we provide our clients with rapid, reliable access to the capital they need to get their deal over the finish line.

  • Manhattan Bridge Capital
  • 60 Cutter Mill Rd., Suite 205, Great Neck, NY, 11021
  • Lends in New York
  • Manhattan Bridge Capital, Inc. (Nasdaq – “LOAN”) has been a publicly traded company since 1999. MBC is a "hard money" lender in New York Metropolitan area and in Florida, and is known to close its deals in a very short period of time. In most cases the client will have cash in his/her possession in 3-10 business days.

  • Simple Credit
  • Stewart ave, Garden City, NY, 11530
  • Lends in New York
  • Adroc Capital
  • 625 RXR Plaza, Uniondale, NY, 11556
  • Lends in New York
  • ### Welcome to Adroc Capital

    #### Your Partner in Financial Growth
    ADROC Capital, specializes in HUD-insured and bridge-to-HUD financing for multifamily and healthcare nationwide. We execute FHA programs for new construction, rehab, and affordable housing, while offering bridge loans to ensure a smooth path to HUD debt. With 70+ loans totaling

  • FENG CAPITAL INC
  • 133-33 37TH AVE SUITE 9A &9 B, FLUSHING, NY, 11354
  • Lends in New York
  • Feng Capital specializes in fix-n-flip loans for non-owner-occupied investment properties. We are committed to communicating openly and honestly with our clients throughout the entire funding process, educating and empowering them to ensure that they can make informed financing decisions for businesses. Our network of underwriters can approve of yo

  • TrustAFi LLC
  • Rockville Centre, Rockville Centre, NY, 11570
  • Lends in New York
  • With over 25 years of combined experience in the financial industry, our team can provide you with the resources and the education you need to grow your business. Will you use the capital to purchase additional inventory? Do you need cash to cover payroll? Do you want to expand into a new space? We have a solution that fits all of your needs. We wi

  • Houlihan & O'Malley
  • 133 Parkway Road, Bronxville, NY, 10708
  • Lends in New York
  • Joe Houlihan started his Real Estate career in 1984 as an appraiser, running Houlihan & O’Malley’s ‘Residential’ appraisal division. He interacted with Realtors on a regular basis and felt a natural attraction to real estate sales. In 1998, Joe founded the Residential Sales Group at Houlihan & O’Malley with the dream of creating a boutique real est